Auto Now Can Get You Driving in a Great Vehicle Despite Your Credit History

Bad credit? No problem. Past credit issues? No problem. Applying for a loan is a big financial move, especially if your credit is not the best or you’ve been through recent financial hardships. Breaking the financial crisis cycle is difficult and requires time and opportunity. Helping our neighbors and understanding the idea of a second chance is why Auto Now dealership of Topeka and our buy here, pay here program offers over 500 vehicles throughout our locations for people regardless of their credit score. Most traditional lending institutions won’t spend the time to understand the person and situation, it’s simply based on a number. But for our customers, knowing someone has their back and works with them to provide financing as well as a vehicle under one roof is why we have been around since 1996 with 6 locations throughout Missouri and Kansas. Reliable transportation is a key factor in holding and keeping a job. It is also an opportunity to rebuild low or damaged credit.

Know your credit score

When you’re ready to purchase a used car from a dealership like Auto Now in Topeka, Kansas, there are several steps you should take to prepare yourself for the time at the dealership. Fortunately, going to a buy here, pay here dealer means keeping everything simple, streamlined, and efficient. Because everything is under one roof, you’re shopping for a car in the same place that is financing the car. It’s a win-win and you spend much less time than you would a traditional dealership. While a financial institution may deny you outright based on your FICO credit score, Auto Now works with potential car buyers who have credit issues. It’s important to know what your credit score is, how it’s been affected, and how to repair it moving forward, but it’s not a factor in financing with Auto Now.

Guaranteed Financing

Traditional financing lenders often assess risk based off of one number- your credit score. What can happen as a result of this narrow scope is not receiving an auto loan and in turn, not being able to afford a car. As an important aspect of many people’s lives, cars are often a necessity for a lot of people in the Kansas and Missouri region. Due to distances between locations and often limited public transportation, having a car could mean the difference between being employed or not. If traditional lenders such as banks and credit unions were the only options, people with issues in their credit history would have a difficult time purchasing a vehicle. A benefit of our buy here, pay here dealership in Topeka is you are guaranteed financing and our staff works hard to identify your vehicle needs as well as what you’re able to afford. With our in-house lending, gone are the days of past credit issues affecting your future and strict credit checks that cause hard hits on your credit score.

Consider a trade-in

As a dealership, we sell cars. We need to sell cars, that’s our business and as a family owned-business with 6 locations and experience in communities across Kansas and Missouri for over 20 years, our team is knowledgeable and capable. The advantage of dealerships needing to sell vehicles is that they’re constantly on the lookout for all varieties of cars. Because our Topeka-based Auto Now dealership has in-house financing, it means we are able to pay competitive market pricing and often top-dollar for your trade-in. Due to the buy here, pay here program and financing structure, we have more flexibility over trade-in values than most regular dealerships. What does that mean for the buyer of a used vehicle? That means you have negotiating power to get the deal you need to make the purchase you want.

Get pre-approved online

Applying for an auto loan with Auto Now dealership in Topeka is as easy as filling out a form and submitting it through our online application site. The process typically takes less than 10 minutes to see the results. All we ask is that you’re over the age of 18, you make at least $1200 a month after taxes and you have a valid driver’s license. There’s no more hassle dealing with applying through third parties or banks with loads of paperwork and multiple inquiries into your credit score. Not only will being pre-approved save you time, but it will allow you to understand what you can afford to help narrow down a selection from over 500 vehicles in our inventory throughout Missouri and Kansas. Don’t forget to save a copy for yourself and give us a call if you have any questions or need assistance.

Build your credit

After you’ve found a car you love and you’ve received your financing, there’s one final step after driving the car off our Topeka used car lot. Payments. You and your new car are driving into a bright future! It’s a new start to rebuild or repair your credit score and set a solid financial foundation to give yourself more options and opportunity. An account specialist will help set up monthly or weekly payments based on what you can afford and decide the best date to make those payments. We offer online one-time payments as well as the ability to set up automatic payments so you can set it and forget it and look forward to the road ahead.

In the market for a used car but don’t have great credit? Check out one of our six locations around Kansas City, Topeka, Belton, Independence, Wichita, and Olathe today!